However, collections are always very difficult  I'd suggest trying to cone up with some type of settlement agreement and have that entered with the court .Depending on the state and the related laws, you could put a lien on any real property that they currently own.I am not sure about New York, but my jurisdiction has a debtor's exam and / or citation discover assets where the debtor has to come in and answer questions under oath regarding their assets and liabilities. most of the time, if you get to this point they likelky have no non-exempt assetsGetting a judgment is always the easiest part, enforcing the judgment is difficult.

This simple error probably would not of landed me in the debtor’s jail but imagine this problem scaled up 5, 10 or even 100 times.

I would use the surplus cash from the refinance to pay down other debt or to fund another deal, as capital at a low interest rate with 30 year terms is hard to come by in any other way, and sometimes the opposite happens, my LTV is lower than my costs. 

Is the debtor still in the property? 

I won, but got so busy I never took the time to chase the debtor down and garnish the wages. 

This gets you out of the HML and hopefully the credit card debt. Or

Until the debtor's collateral has been legally sold by either judicial or non-judicial procedure (as applicable) the record owner's rights remain.

Skiptracing (also skip tracing, or debtor and fugitive recovery) is the process of locating a person's whereabouts for any number of purposes.

Tax liens follow the property, not the debtor, and cannot be forgiven or wiped out through bankruptcy. 

Join and several liabilitiesIf you are two or more persons, your obligations as debtors are both joint and several.10.